Compliance Services for Sweepstakes, Social Casino & Real-Money Gaming
FinCheck designs gaming compliance programs covering KYC and age verification, AML monitoring on deposits and redemptions, responsible gaming, and state eligibility controls. We work alongside your legal counsel and serve as your fractional Chief Compliance Officer.
What makes gaming compliance hard
State Laws Are Changing Fast
A growing number of states are banning or restricting sweepstakes models, and attorneys general are sending cease-and-desist letters. What was legal last quarter may not be legal now.
Payment Processors Hold the Keys
Processors and acquiring banks decide who stays live. Without strong controls and clean documentation, your accounts can be frozen or shut overnight.
Prize Redemptions Create AML Obligations
Once players can redeem cash prizes, you face real AML expectations, including source-of-funds checks, structuring detection and suspicious activity reporting.
Proving Who and Where Your Players Are
Identity verification, age checks and geolocation have to block restricted states and duplicate accounts without making sign-up painful for legitimate players.
Multi-Accounting and Bonus Abuse
Fraud rings use duplicate accounts, stolen identities and promo stacking to extract prizes. That's lost money and an AML risk.
Defending the Sweepstakes Model
Your dual-currency structure, free entry method (AMOE) and official rules must hold up when regulators or class-action lawyers test them.
Chargebacks and High-Risk Merchant Status
High chargeback ratios and friendly fraud can push you into penalty programs or get you dropped by your processor.
Responsible Gaming Expectations
Regulators, processors and app stores increasingly expect self-exclusion, spend limits and player protection controls, even for social and sweepstakes models.
Our gaming and sweepstakes compliance services
Geolocation and Age Verification Testing
Certificate of Controls testing that shows your geofencing and age checks keep restricted-state and underage players out, documented in a report you can hand to processors.
Independent AML Audit
Testing that shows your controls work in practice, not just on paper, with a report you can share with banks and partners.
Processor and Banking Readiness
Due diligence packages, MCC classification guidance and clear ownership documentation, so processors approve you faster and keep you live.
Gaming AML and KYC Program
Policies designed for gaming, including player risk tiers, redemption holds, source-of-funds triggers and fraud typologies.
Fraud and Multi-Accounting Controls
Rules and workflows that catch duplicate accounts, stolen identities, bonus abuse and chargeback fraud before prizes go out.
Fractional CCO
Senior compliance leadership that speaks the language of processors, banks and regulators, without a full-time executive salary.
24/7 Outsourced Compliance Support
Trained specialists handling player complaints, redemption reviews and KYC alerts around the clock.
Regulatory Change Watch
A monthly state-by-state briefing on new bills, bans and enforcement actions, with what each one means for your operations.
How an engagement works
Discovery Call
We learn your product, money flow, markets and deadlines.
Gap Assessment
We map your obligations and show exactly where you stand.
Build and File
We write the program, prepare filings and set up controls.
Run and Review
Ongoing CCO support, monitoring, audits and renewals.
Frequently Asked Questions
Can FinCheck act as our sweepstakes compliance consultant?
Yes. We work as your ongoing compliance partner or fractional CCO, owning AML, KYC and responsible gaming controls and speaking to your processors and banks.
How does FinCheck handle AML monitoring on prize redemptions?
We design redemption controls such as identity checks, holds and velocity rules, set red flags for bonus abuse and multi-accounting, and document escalation and reporting decisions.
What if we already have AML and KYC controls in place?
We review what you have against processor expectations and state requirements, then close the gaps, so you keep what works and fix what does not.
Can FinCheck help select KYC, age verification and geolocation vendors?
Yes. We help you compare providers, set verification tiers and configure geolocation to match your state eligibility matrix.
Do you provide AML and responsible gaming training for our team?
Yes. We train support, payments, VIP and risk teams on gaming fraud and laundering red flags, player protection and your own procedures.
Does FinCheck work with our gaming counsel?
Yes. Your counsel advises on legality; we build and run the compliance program and keep your documentation aligned with their advice.